Search found 586 matches

by Goal33
Tue Aug 14, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Windfall proceeds - what to do?
Replies: 8
Views: 821

Re: Windfall proceeds - what to do?

I’d start by paying off the house loans and student loans
by Goal33
Tue Aug 14, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 25
Views: 2399

Re: Almost 30 - Check In

That ring is a little rich. You should find something similar to the one you liked online at bluenile or brilliant earth...
by Goal33
Mon Aug 13, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: Dublin, Where to stay?
Replies: 14
Views: 1197

Re: Dublin, Where to stay?

I am in Dublin 5x per year 10 days each time. Always stay at the Morrison (Hilton doubletree)
by Goal33
Sat Aug 11, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 779

Re: RSUs with long term potential

You’ll pay ordinary income taxes on the day you receive them for the full value. Typically your company will sell enough shares to cover that tax burden. So if you sell the remaining immediately, there will be no gain. So you don’t have to worry about waiting a year for some type of beneficial tax t...
by Goal33
Sat Aug 11, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7309

Re: Rude response from boss re: market adjustment

I don’t understand why you are advocating for the entire department...
by Goal33
Fri Aug 03, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3573

Re: Do you think I am being too conservative on buying a house?

Seems to me like you could do it her way, but you don't want to. Not sure how we can help here... you need to get on the same page with regards to children asap or move on.
by Goal33
Thu Aug 02, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6005

Re: Co - signed a Mortage, Now wants out

On the bright side, the house is up in value so you probably won’t have any negative consequences aside from bad credit when they start missing payments.
by Goal33
Tue Jul 31, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4561

Re: 1.9 M windfall. My plan; input requested

To echo bloom2708, I think the primary residence number seems low, and I would also pass on investment real estate.

Also, you probably could spend less on furniture... Edit.. nvm, that includes the ring, honeymoon, and wedding.
by Goal33
Sun Jul 29, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1083

Re: 401k loan for car payoff - bond allocation used

It’s not worth the trouble either way. Just take a car loan if you need a loan.
by Goal33
Sun Jul 22, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 72
Views: 4890

Re: Buy house for retired mother?

We pay rent on a nice 2 bedroom apartment in east sf Bay Area and support a lifestyle of regular eating out and vacations for less than 75k.
by Goal33
Sun Jul 22, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: When to buy airline tickets for Christmas flight?
Replies: 12
Views: 1292

Re: When to buy airline tickets for Christmas flight?

Sounds like the best time is a few months after you usually buy them.
by Goal33
Thu Jul 19, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5028

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

I’d say stop further investment and use trades to continue the journey as desired.
by Goal33
Fri Jul 13, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1237

Re: Buying Used Honda/Toyota -- How old is too old?

I got a 2006 Matrix in 2007 with 29k miles for 13k when I was 16. That was a decade ago but still drives today. That car was perfect for high school, college, first couple years of career... lots of space for moving.
by Goal33
Tue Jul 03, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Closing Thursday but new house wall damaged by seller’s mover
Replies: 16
Views: 2409

Re: Closing Thursday but new house wall damaged by seller’s mover

You have to consider additional costs if there isn’t matching paint in the garage.
by Goal33
Thu Jun 28, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 318

Re: Is this a wash sale?

jhfenton wrote:
Thu Jun 28, 2018 12:07 pm
A repurchase on the 30th day is a wash sale. You have to be outside the 30th day after the day of the sale.

Just wait until tomorrow.
Thanks!
by Goal33
Thu Jun 28, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 318

Re: Is this a wash sale?

Look at a calendar count those days. It was exactly 30 days. I am tripped up because my interpretation previously was that I would have to make the purchase back in tomorrow, but I assumed the trading restriction Vanguard put on my account from the previous sale was the same day count as the wash s...
by Goal33
Thu Jun 28, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 318

Is this a wash sale?

Tl;dr: On 6/28, I want to buy back into the shares I sold on 5/29. This will be exactly 30 days. Is this a wash sale? Here are my transactions in question (every Sell transaction has been at a loss): 5/29/2018 - Sell VTSAX (Total Stock Market Admiral) 5/29/2019 - Buy VFIAX (S&P500 Admiral) 6/25/2018...
by Goal33
Sat Jun 23, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Repair old refrigerator or purchase new
Replies: 24
Views: 1757

Re: Repair old refrigerator or purchase new

If you’ll get satisification out if he DIY fix, I’d fix it myself. Otherwise replace.
by Goal33
Tue Jun 12, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or keep cd
Replies: 7
Views: 807

Re: Pay off mortgage or keep cd

The only reason to not pay it off is to maintain liquidity, at a cost that you can calculate.
by Goal33
Sun Jun 03, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3122

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by Goal33
Sun Jun 03, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3122

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by Goal33
Sun Jun 03, 2018 1:36 am
Forum: Investing - Theory, News & General
Topic: Taxable Investing if Not Worried About Capital Gains
Replies: 9
Views: 1525

Re: Taxable Investing if Not Worried About Capital Gains

I’ve read a thread where livesoft will sell a fund to avoid its dividend by buying something else. He was able to do this tax free because of his capital losses. Maybe he will respond with more details if he sees this.
by Goal33
Sat Jun 02, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Dilemna
Replies: 10
Views: 1367

Re: 403B Dilemna

Not sure but here’s an idea:

See about withholding less federal / state taxes to bump the check higher. Make up for it by withholding more from your check or making a quarterly estimated payment...
by Goal33
Sat Jun 02, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3122

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank.
by Goal33
Sun May 27, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13875

Re: Renting vs Owning Your Home

I think I can sell my house for about 10X what I paid for it. Sounds like a killing but probably close to about 5% compounded. Not bad but not a killing either. I disagree. This is a killing. You likely financed 80-100% of this home 44 years ago. And you haven’t had to pay rent the entire time. You...
by Goal33
Tue May 22, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Disputed HOA billing
Replies: 21
Views: 1975

Re: Disputed HOA billing

Pay it, sell it, and never buy in an HOA again
by Goal33
Wed May 16, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 7028

Re: Mortgage decision killing me

I'd take the 30 year but wish I had the 7/1... :oops:
by Goal33
Fri May 11, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4634

Re: Should I pay cash for a house?

I would go for it but definitely get one with a full 2nd bathroom just to make this better time-proofed... you'll likely end up moving anyway but just in case life works out and you can stay, you won't want to have that be an issue.
by Goal33
Fri Apr 27, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6279

Re: Comfortable Commuter Cars under $50K

1999 Toyota Corolla with electric windows
by Goal33
Thu Apr 26, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do I un-follow stock market?
Replies: 31
Views: 1948

Re: How do I un-follow stock marke?

For me it was when I realized I was better off doing nothing... aka putting it all in SP500.
by Goal33
Sun Apr 22, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 978

Re: Renting from potential in-laws?

Stay in your unit. Otherwise their problems become your problem.

I actually made money in a situation where I bought and sold in less than 2 years but I got lucky and didn’t think I would be moving that soon. I wouldn’t recommend it.
by Goal33
Tue Apr 17, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: [How should I pay off my mortgage?]
Replies: 11
Views: 1474

Re: [How should I pay off my mortgage?]

Liquidity concerns are why I would prioritize taxable investing over paying down mortgage. I assume similar ROI either way but liquidity can be very comforting.
by Goal33
Fri Apr 13, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2639

Re: Appropriate to ask co-worker when retiring?

i think you can do it under the right circumstances. if there is a company wide gathering and an opportunity to "mingle". Make small talk and then transition into. How long have you been with the Company ? Same role ? -blah blah blah. Still enjoying the work ? Are you looking for the exit ramp afte...
by Goal33
Wed Apr 11, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2675

Re: 29 YO With a big windfall. Invest or Pay off the mortgage?

Personally, I would: Invest it all in equity in a taxable account. Move equity money out of equity to bonds in the 401k until you're comfortable with your stock/bond ratio. This would help you achieve more liquidity which I personally value. I would also support: re-casting the mortgage or a lump so...
by Goal33
Mon Apr 09, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2176

Re: Job search advice for a soon-to-be engineering grad...

Please make sure he remembers to be humble. I've interviewed new grads and recent grads who came in with stories that made it sound like they've already mastered engineering before they even started. A recent grad that tells me he saved the company $10 million, or solved some incredible engineering...
by Goal33
Mon Apr 09, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2176

Re: Job search advice for a soon-to-be engineering grad...

The best thing he can do is make sure his son knows the gravy train is ending. Given the internships, etc. it should be easy to get a job using school resources (job fair). He can leverage his classmates and see what they are doing. I am also an engineering graduate of 2014. I had a job lined up 1 ...
by Goal33
Mon Apr 09, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 5011

Re: Handling ageism in tech

I always heard this but now that I’ve been in tech for several years now I have found it to be total bs. The folks who have been in the industry for years are the only ones with a clue. They have seen the same thing over and over again. Maybe using different technologies but bottom line it’s the sam...
by Goal33
Mon Apr 09, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2176

Re: Job search advice for a soon-to-be engineering grad...

The best thing he can do is make sure his son knows the gravy train is ending. Given the internships, etc. it should be easy to get a job using school resources (job fair). He can leverage his classmates and see what they are doing. I am also an engineering graduate of 2014. I had a job lined up 1 y...
by Goal33
Mon Apr 09, 2018 12:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14005

Re: Too much Bogleheads.org?

mx711yam wrote:
Sun Apr 08, 2018 6:14 pm
It gets worse. Just wait until your wife will no longer listen to you when all you want to talk about is money haha
Lol. And hopefully you saw the guy who was trying to create a power point so he could explain their finances to his wife. :shock:
by Goal33
Sun Apr 08, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes and 401k deduction
Replies: 3
Views: 210

Re: Estimated taxes and 401k deduction

Not an accountant but I’d think you would take it for the first quarter. What if your income drops to nothing for the rest of the year?
by Goal33
Sun Apr 08, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Is fallen tree my responsibility or town's?
Replies: 10
Views: 1652

Re: Is fallen tree my responsibility or town's?

My concern is the town will have decided it was your responsibility and add the cost to your property tax for what they have done, and that their rates would be higher than your own tree guy. Different situation but happened to my sister where the city told her she needed to remove a dead tree on he...
by Goal33
Sat Apr 07, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4522

Re: What would an extra $2000 in cash flow mean for a large family?

It is not clear what you are giving up. Are you moving from a 4k apartment on the 50th floor to a 2k apartment of the same layout on the 3rd floor?

Obviously you should move for an additional 2k a month without additional information.
by Goal33
Sat Apr 07, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4522

Re: What would an extra $2000 in cash flow mean for a large family?

It is not clear what you are giving up. Are you moving from a 4k apartment on the 50th floor to a 2k apartment of the same layout on the 3rd floor?

Obviously you should move for an additional 2k a month without additional information.
by Goal33
Thu Apr 05, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Starting a home search... Late 60s rancher?
Replies: 18
Views: 1691

Starting a home search... Late 60s rancher?

Starting my housing search in the VHCOL bay area (east bay: think Lafayette, Orinda, Walnut Creek, Danville, San Ramon, etc). Would like some input on what to look out for in 60s ranchers style homes. I am absolutely looking for a one story home. But, I've narrowed out 80s single story homes because...